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    • Thank-you dx, What you have written is certainly helpful to my understanding. The only thing I would say, what I found to be most worrying and led me to start this discussion is, I believe the judge did not merely admonish the defendant in the case in question, but used that point to dismiss the case in the claimants favour. To me, and I don't have your experience or knowledge, that is somewhat troubling. Again, the caveat being that we don't know exactly what went on but I think we can infer the reason for the judgement. Thank-you for your feedback. EDIT: I guess that the case I refer to is only one case and it may never happen again and the strategy not to appeal is still the best strategy even in this event, but I really did find the outcome of that case, not only extremely annoying but also worrying. Let's hope other judges are not quite so narrow minded and don't get fixated on one particular issue as FTMDave alluded to.
    • Indians, traditionally known as avid savers, are now stashing away less money and borrowing more.View the full article
    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
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lyverbyrd v Nationwide


lyverbyrd
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Hello everyone, I'm new here so please be gentle with me. I'm going to file a claim against Nationwide for £680. I'll be putting my claim in next week (after pay day!) only moneyclaim doesn't take my lousy electron card, so hubby will kindly be doing this for me.

 

I wish this option had been available ages ago; I was declared bankrupt in 2004, it's now discharged, but I worked out that 30% of my debt was bank and credit card charges. Oh how much easier life would have been...

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Hi there lyverbyrd,

i don't mean to sound like a know it all but you have done all the preliminary letter and letter before action bit haven't you? you need to do those before filing a money claim. sorry if i'm teaching my grandmother to suck eggs but i couldn't find another post from you saying wether you had done that.

oooeee

 

As a mathematics degree student i know their figures don't add up!!!! join the Revolution!!!

 

 

 

Nationwide Building society £1778.55 LBA sent 22.06.2006 Claim filed at Truro court 07/07/2006 for £1842.78 Acknowledgement recieved 19/07/2006 "intend to defend". £246.73 (interest on amount) paid into account 20/07/2006 Remaining £1595 paid into account 21/07/2006

Littlewoods catalogue looking into late charges. £80 of charges made phone call 16/07/2006 letter going out 21/07/2006

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Hi there. :) Yes I have done those, in fact I've been overly generous in the time I've allowed the bank to respond to my letters. I've had the final "we're referring your case blah blah" letter, and since they're not sticking to my timetable, the game is up for them.

 

But thanks for looking out for me. :)

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Good luck with your claim!! let us know what happens

oooeee

 

As a mathematics degree student i know their figures don't add up!!!! join the Revolution!!!

 

 

 

Nationwide Building society £1778.55 LBA sent 22.06.2006 Claim filed at Truro court 07/07/2006 for £1842.78 Acknowledgement recieved 19/07/2006 "intend to defend". £246.73 (interest on amount) paid into account 20/07/2006 Remaining £1595 paid into account 21/07/2006

Littlewoods catalogue looking into late charges. £80 of charges made phone call 16/07/2006 letter going out 21/07/2006

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Hi lyverbyrd

You've found a good place to get your monies sorted out. I am slightly behind you with Nationwide so will watch your thread with interest.There are people about here with lots of experience and knowledge who are happy to help.

 

:p

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sorry to jump in here, jonesy when calculating interest at 8% do you do it from the day the charges actually occurred i.e the day they bounced the dd or whatever, or from when they actually take the money? as you know the nationwide actually take it 28days after the statement goes out. any ideas?:)

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I used the date the charge was taken from my account not the date of the bounced DD etc.

 

I did too.

Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

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Its the day they take the charge from your account .. If they bounce a cheque on 1st of month then charge you for it on 21st of month you have not lost the money until the 21st so how can you claim for it from 1st ?

When you want to fool the world, tell the truth. :D

Advice & opinions of Janet-M are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any

doubts.

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Thanks Girls, i did apologise for jumping in on this thread but am working interest out for my claim which i'm putting in on weds (payday) and needed to know straightaway! SORRY again! p.s thought it would be a useful question for lyverbird too when the time comes, so please dont beat me up!!!!!:)

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LOL no beating you up but with so many posts to your name you should no more then most about hi-jacking a thread #slappedwrist for you :D

When you want to fool the world, tell the truth. :D

Advice & opinions of Janet-M are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any

doubts.

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  • 2 weeks later...

I've received my final "you're getting nothing from us" letter from Nationwide, but unfortunately, I don't yet have the £80 I need to take the case to court, so it looks like it's going to be on hold for another month....

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Hi Lyverbird,

 

i know its a bit of a personal question but are you on any type of benefits? working tax credit, housing benefit because if so you can put in your claim for nothing. sorry if (again!) its something you already knew.

oooeee

 

As a mathematics degree student i know their figures don't add up!!!! join the Revolution!!!

 

 

 

Nationwide Building society £1778.55 LBA sent 22.06.2006 Claim filed at Truro court 07/07/2006 for £1842.78 Acknowledgement recieved 19/07/2006 "intend to defend". £246.73 (interest on amount) paid into account 20/07/2006 Remaining £1595 paid into account 21/07/2006

Littlewoods catalogue looking into late charges. £80 of charges made phone call 16/07/2006 letter going out 21/07/2006

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It will, but you should still be able to use phone bank - I could.

Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

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I have a question. I've received a default notice from Nationwide, and it states my balance is -211.84. This is purely through bank charges. I'm going to be claiming just over £600 from them.

 

As the overdraft is bank charges, will I receive all my claim if it goes to court, or will Nationwide hang on to any of it to pay the overdraft?

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I've had one last email flirt with Charles Bacon:

 

Dear Mr Bacon

 

I have received a letter from Morag Mcolm, dated 13 July 2006, informing me of the Building Society's intention to take legal action against me for an overdrawn balance of £211.84.

 

I have already written to you stating that I will be pursuing action for the recovery of my bank charges. As the overdraft is purely made up of charges, I think you will appreciate that any action you take against me will be unlawful. The amount I am claiming is £621.99 + court costs. If you wish to avoid legal action, I will be happy to drop the charge on receipt of full payment of my claim. However, you have already had the time allowance given in accordance with the unfair terms in consumer contract regulations.

 

In addition to this I am seeking a full removal of the default on my account; not an amendment, but a removal, as again this is levied in unfair terms.

 

I look forward to hearing from you before 4.30pm 19 July 2006.

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